مجلة الاقتصاد وادارة الاعمال
Volume 9, Numéro 2, Pages 69-87
2025-12-20
The Digital Dinar And The Transformation Of Monetary Policy In Algeria: Analytical Insights And Forward-looking Perspectives
Authors : Mahboub Ali . Mahi Mohamed .
Abstract
Global monetary policy is experiencing significant transformations with the rise of Central Bank Digital Currencies CBDCs, which are increasingly recognized as tools for enhancing financial inclusion and reducing the informal economy. In this context, Algeria introduced the Digital Dinar through Monetary and Banking Law No. 23-09, marking a turning point in the modernization of its monetary system. This study explores the future trajectory of Algeria’s monetary policy in light of this reform. The methodology combines a descriptive-analytical review of CBDCs, a comparative analysis with experiences in China and Nigeria, and a foresight approach to construct three possible scenarios: full adoption, partial adoption, or project failure. Results indicate that the success of the Digital Dinar will depend on strengthening digital infrastructure, consolidating the legal and regulatory framework, and fostering collaboration between the central bank and private actors. The study concludes that the Digital Dinar is not merely a technological innovation, but a strategic milestone in the transformation of Algeria’s monetary policy.
Keywords
Monetary policy ; Digital Dinar ; Central Bank Digital Currencies ; financial inclusion ; informal economy
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